PRIVACY & COOKIES

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AH Partners is a trading name of Lending Partners Limited. Lending Partners Limited is a company registered in England and Wales. Company Registration Number 10466213  Registered Office & Trading address: 20-22, Wenlock Road, London, N1 7GU.

Data Protection Act Licence Number A1079723.

Please direct all queries to: info@ah-partners.com.

@2016 Lending Partners Ltd. All rights reserved.

AH Partners is a finance company providing growth finance for 'sustainable' small businesses. By providing small business loans alongside strategic support, we build true partnerships that add value beyond capital with our clients. We believe small business owners are misunderstood by today's high street lenders and for that reason we invest time in our clients and partner with them to achieve their growth plans.

 

This Privacy Policy explains how we use your information. AH Partners Ltd is the data controller, that is, the organisation that decides the purposes for which your information will be used and the way in which it will be processed by AH Partners Ltd. In this Privacy Policy AH Partners ltd is referred to as “we”, “us” or “our”.

 

Your Information

 

How do we use your information?

We will use your information to; provide our services, prevent and detect fraud, money laundering and other improper activities, carry out regulatory checks and meet our obligations to any relevant regulatory authority. We will also use your information to develop and improve our services, collect payments and resolve disputes.

 

As part of these activities, we may use your information in the following ways:

 

 

Your data may also be used for other purposes for which you give your specific permission or, in very limited circumstances, when required by law or where permitted under the terms of the Data Protection Act 1998.

 

 

Who do we share your information with?

We share your Information with other organisations for the following purposes:

 

 

 

Credit decisions, CRA’s and the prevention of fraud and money laundering

When you apply for an application for a limited company or limited company partnership, we will check each director and shareholder and their financial associates alongside your businesses credit. By submitting any application form, you agree that you have the full consent of each related party.

 

We may use credit reference and fraud prevention agencies to help us make decisions. A short guide to what we do and how both we and credit reference and fraud prevention agencies will use your information is set out below.

 

When you apply to us to receive a loan, we will check the following records about you:

 

  1. Records at Credit Reference Agencies (CRAs). When CRAs receive a search from us they will place a search footprint on your credit file that may be seen by other lenders. CRAs supply to us both public information (including information from the electoral register) and shared credit and fraud prevention information.
  2. Records at Fraud Prevention Agencies (FPA’s). We will make use of the information received as a result of these checks in order to assess your application for credit, verify your identity and to prevent and detect crime and money laundering. We may also make periodic searches at CRAs and FPAs to manage your account with us.

 

Information on applications will be sent to CRAs & FPAs and will be recorded by them.  This information may be supplied to other organisations by CRAs and FPAs to perform similar checks and to trace your whereabouts and recover debts that you owe. Records remain on file for 6 years after they are closed, whether settled by you or defaulted.

 

If you give us false or inaccurate information and we suspect identity fraud we will record this and may also pass this information to FPAs and other organisations involved in crime and fraud prevention.

 

If you have borrowed from us and do not make payments that you owe us, we will trace your whereabouts and recover debts.

 

We and other organisations may access and use information recorded by fraud prevention agencies from other countries.

 

 

How to find out more about how credit reference agencies use your Information

In this Privacy Policy we provide an overview of how your information may be used by credit reference agencies. If you would like full details of how your data may be used email us at info@ah-partners.com

 

You can contact the CRAs currently operating in the UK in order to check the information that they hold about you. The information they hold may not be the same so it is worth contacting them all. They will charge you a small statutory fee. We use the following credit reference agency:

 

Equifax Credit File Advice Centre, P.O. Box 1140, Bradford BD1 5US or call 0845 603 3000

 

 

Call Recordings

When we contact you by telephone or if you call us, calls may be recorded for training and fraud prevention purposes.

 

Your Rights

Where you have agreed that we may do so, we may contact you by phone, fax, post, email or SMS to tell you about our services, products, offers, events and promotions. We may also share your information with third parties to enable them to contact you to tell you about their products and services.

You have the right to opt out of us contacting you for marketing purposes or sharing information about you with other companies for marketing purposes by contacting us by post at AH Partners Ltd, 20-22, Wenlock Road, London, N1 7GU.

 

You also have the right to access your information and request details of the third parties with whom we have shared your information by contacting us in writing at AH Partners Ltd, 20-22, Wenlock Road, London, N1 7GU and paying a small fee.

 

You may correct errors in your information or request that we remove information about you from our records by sending us a request detailing your request to the address above. In most cases we will comply promptly with your request and let you know when we have done so. However, sometimes we will not be obliged to comply with your request. If this is the case, we will inform you of our decision and the reasons for that decision. To protect your privacy and the security of your Information, we may take reasonable steps to verify your identity before we act on any request which you may make in respect of your Information.

 

 

 

 

How we use cookies

A ‘cookie’ is a small piece of information that is stored on the browser of your computer’s hard drive. Most websites use cookies to improve the way the website works and to provide information to website operators about the use of the website. We use cookies to allow you to use and navigate our site, to collect information about how visitors use our site and to enable us to improve the site. Most web browsers allow you to manage and block the use of cookies by changing your browser settings. If you choose not to accept cookies on our site this may affect the quality of your visit to our site. For more information on cookies (including how to switch them off) please visit www.allaboutcookies.org

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